Refinancing lenders in Franklin County
5,112 refinancing mortgages were made in Franklin County, Ohio, in 2025, by 318 lenders. The median rate their borrowers got was 6.500% on a median loan of $225,000. Of 6,929 decisions, 1,471 were denials — 21.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Huntington National Bank | 440 | 7.625% | $155,000 | 36.2% |
| Fifth Third Bank, National Association | 440 | 7.750% | $105,000 | 24.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 365 | 5.875% | $315,000 | 14.4% |
| Kemba Financial Credit Union Inc | 352 | 7.000% | $115,000 | 25.5% |
| Rocket Mortgage, LLC | 250 | 5.990% | $265,000 | 19.6% |
| PNC Bank, National Association | 215 | 7.250% | $125,000 | 21.3% |
| Third Federal Savings and Loan Association of Cleveland | 201 | 6.990% | $155,000 | 31.7% |
| FREEDOM MORTGAGE CORPORATION | 174 | 6.250% | $285,000 | 4.4% |
| Union Savings Bank | 147 | 6.250% | $295,000 | 8.6% |
| NFM, INC. | 137 | 6.250% | $295,000 | 1.4% |
| JPMorgan Chase Bank, National Association | 119 | 6.125% | $285,000 | 5.4% |
| WRIGHT-PATT CREDIT UNION, INC. | 105 | 7.500% | $115,000 | 34.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 103 | 6.250% | $255,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 95 | 5.990% | $285,000 | 9.3% |
| UNION HOME MORTGAGE CORP. | 83 | 6.125% | $295,000 | 3.4% |
| First Financial Bank | 67 | 6.250% | $325,000 | 23.9% |
| LOWER, LLC | 62 | 6.375% | $345,000 | 14.9% |
| BPL MORTGAGE TRUST, LLC | 60 | 6.750% | $175,000 | 12.7% |
| Kiavi Funding, Inc. | 58 | 7.500% | $155,000 | 17.6% |
| NEWREZ LLC | 58 | 5.990% | $295,000 | 18.9% |
| The State Bank and Trust Company | 57 | 5.990% | $255,000 | 12.3% |
| German American Bank | 55 | 6.500% | $205,000 | 15.2% |
| GUARANTEED RATE, INC. | 52 | 5.750% | $410,000 | 5.4% |
| The Park National Bank | 40 | 7.000% | $260,000 | 25.9% |
| U.S. Bank National Association | 36 | 6.309% | $250,000 | 14.0% |
| WesBanco Bank, Inc. | 35 | 6.625% | $625,000 | 12.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 34 | 5.933% | $295,000 | 14.9% |
| NATIONSTAR MORTGAGE LLC | 33 | 6.375% | $275,000 | 18.6% |
| First Merchants Bank | 32 | 7.000% | $225,000 | 30.4% |
| First Commonwealth Bank | 32 | 5.990% | $170,000 | 17.1% |
| Citizens Bank, National Association | 30 | 7.495% | $170,000 | 22.0% |
| BMI Federal Credit Union | 30 | 6.625% | $195,000 | 14.3% |
| THE EQUITABLE MORTGAGE CORPORATION | 30 | 6.125% | $315,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 26 | 6.375% | $290,000 | 17.7% |
| Bank of America, National Association | 26 | 5.495% | $225,000 | 29.7% |
| Mortgage Research Center, LLC | 25 | 5.875% | $295,000 | 45.8% |
| LAKEVIEW LOAN SERVICING, LLC | 24 | 6.188% | $280,000 | 49.4% |
| EQUITY RESOURCES, INC. | 23 | 6.125% | $305,000 | 28.1% |
| PLANET HOME LENDING, LLC | 23 | 5.990% | $265,000 | 14.8% |
| The Union Bank Company | 23 | Not published | $315,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 21 | 6.490% | $355,000 | 4.6% |
| 254900CTT87ZKAUTIJ37 | 20 | 8.500% | $155,000 | 13.0% |
| ENDEAVOR CAPITAL, LLC. | 19 | 6.250% | $185,000 | 0.0% |
| T2 FINANCIAL LLC | 19 | 6.375% | $315,000 | 4.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | 7.000% | $295,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 5.990% | $215,000 | 21.7% |
| TELHIO | 16 | 5.808% | $190,000 | 22.7% |
| The Savings Bank | 16 | Not published | $365,000 | 5.9% |
| Navy Federal Credit Union | 15 | 6.000% | $295,000 | 21.1% |
| RAPID MORTGAGE COMPANY | 14 | 6.250% | $260,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 5.938% | $365,000 | 0.0% |
| BRIDGE CREDIT UNION, INC. | 14 | 8.000% | $70,000 | 6.7% |
| EDUCATION FIRST CREDIT UNION, INC. | 14 | 7.590% | $100,000 | 0.0% |
| KeyBank National Association | 13 | 6.625% | $185,000 | 46.4% |
| Loandepot.Com, LLC | 13 | 5.500% | $275,000 | 15.8% |
| PHH Mortgage Corporation | 12 | 5.625% | $270,000 | 25.0% |
| Civista Bank | 12 | 7.125% | $210,000 | 7.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.125% | $305,000 | 47.8% |
| ROYAL UNITED MORTGAGE LLC | 11 | 6.875% | $105,000 | 42.1% |
| NBKC BANK | 11 | 6.125% | $385,000 | 15.4% |
| RUOFF MORTGAGE COMPANY, INC. | 11 | 6.250% | $265,000 | 0.0% |
| The Middlefield Banking Company | 11 | Not published | $135,000 | 20.0% |
| CNB Bank | 11 | 5.000% | $505,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.490% | $255,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.895% | $310,000 | 0.0% |
| The Federal Savings Bank | 10 | 7.125% | $280,000 | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 10 | 7.058% | $270,000 | 0.0% |
| THE VINTON COUNTY NATIONAL BANK | 10 | 7.500% | $220,000 | 8.3% |
| CLEARPATH LENDING | 9 | Under 10 loans | Under 10 loans | 35.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Ohio State Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 8 | Under 10 loans | Under 10 loans | 71.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CME Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| SOUTH RIVER MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Pathways Financial Credit Union, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TOGETHER CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| United Midwest Savings Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GO MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| THE LOAN STORE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Community Bank of Bucyrus | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Service Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 64.3% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 69.2% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Buckeye State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fairfield Federal Savings and Loan Association of Lancaster | 3 | Under 10 loans | Under 10 loans | 57.1% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| POLARIS HOME FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CMG MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Abbott Laboratories Employees Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Richwood Banking Company | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| S&T Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT STRUCTURED FINANCE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Riverside Bank of Dublin | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 72.7% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Archwest Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STATE MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 118 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.